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Saint Charles Bankruptcy Attorneys | Bankruptcy Lawyers, Saint Charles IL

Saint Charles Bankruptcy Attorneys | Bankruptcy Lawyers, Saint Charles IL

At O’Flaherty Law, we understand filing for bankruptcy is a tough decision, and one that will affect your finances, which is why we’re proud of our affordable rates. You’re sure to find experienced attorneys who can help you with your debt resolution and bankruptcy needs. Let us lift the weight from your shoulders and be your advocates so you can start getting your finances back on track.

At O’Flaherty Law, we understand filing for bankruptcy is a tough decision, and one that will affect your finances, which is why we’re proud of our affordable rates. You’re sure to find experienced attorneys who can help you with your debt resolution and bankruptcy needs. Let us lift the weight from your shoulders and be your advocates so you can start getting your finances back on track.

Our Experienced Saint Charles Bankruptcy  Attorneys Handle Cases Including But Not Limited To:

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Your Community Law Firm

Why O'Flaherty Law for My

Bankruptcy

Matter?

In this video, Saint Charles bankruptcy attorney Kevin O'Flaherty explains how to select the right attorney for you.

  • We Are Affordable!  The last thing you need when your back is against the wall is an expensive legal bill.  We understand that you don't have money to blow on expensive legal fees. We're proud of our affordable rates, and if you find a more cost-effective solution, we would like to hear about it. 
  • We Give You Counsel, Not Info-Tapes!  From the outset of your case, you receive the attention, advice, and support of our excellent attorneys, whereas many Saint Charles bankruptcy attorneys meet their clients for the first time on the day of the initial meeting of creditors (basically the end of the case). We want to be your advocates in your bankruptcy and debt resolution case.
  • Your Case Matters to Us!  We have the man-power of a large firm, but the client service of a small firm.  We truly care about each of our clients and will give you the personalized service that you deserve. We will fight to get you the best possible result, and be the helping hand you need to start your new life.
  • We Have a Wide Network of Resources to Help Get You Back on Your Feet!  Our client care does not end with legal work.  Due to our deep involvement in the community, we have an extensive network of professionals and other resources that can give you non-legal guidance and provide the services necessary to help get you back on your feet.   

Some of Our Accomplishments

Schedule a Free Consultation With Our

Saint Charles Bankruptcy Attorneys

Saint charles debt resolution lawyer

Please contact our friendly

Saint Charles Bankruptcy Attorneys

at our nearest location to schedule a free consultation:

O'Flaherty Law of Saint Charles

210 S Fifth St, Ste. 107B
St. Charles
,
IL
60174
Get Directions

See below for our other locations. If our office locations are not convenient for you, we are happy to speak with you by phone.  ​​​

Hours: 9 am - 5 pm Mon - Fri

Our  Office Locations: 

Downers Grove Attorneys, Downers Grove Attorney, Downers Grove Lawyer, Downers Grove Lawyers

Downers Grove

5002 Main St, Ste. 201 Downers Grove, IL 60515

Naperville Attorney, Naperville Attorneys, Naperville Lawyers, Naperville Lawyer

Naperville

105 Jackson Avenue, Ste. 4b Naperville, IL 60540

Elmhurst Lawyer, Elmhurst Lawyers, Elmhurst Attorneys, Elmhurst Attorney

Elmhurst

​110 E. Schiller Street, Ste. 220B ​Elmhurst, IL 60126

Lake in the Hills Attorneys, Lake in the Hills Attorney, Lake in the Hills Lawyer, Lake in the Hills Lawyers

Lake in the Hills

8411 Pyott Road, Ste. 107, ​Lake in the Hills, IL 60156

Tinley Park Attorney, Tinley Park Attorneys, Tinley Park Lawyer, Tinley Park Lawyers

Tinley Park

​16557 Oak Park Avenue, Ste. B, Tinley Park, IL 60477

St. Charles Attorneys, St. Charles Lawyers, St. Charles Attorney, St. Lawyer

St. Charles

210 S Fifth St, Ste. 107B, St. Charles, IL 60174

chapter 13 bankruptcy lawyer Saint charles illinois

Meet Our Owner

Kevin O'Flaherty oversees all legal matters and is actively involved in making sure every client's case, big or small, is handled with excellence and attention to detail. He is available to contact through phone and email and his rates are available upon request.

Here's What Our Clients Have to Say:

John Paul Clancy
Says...

"Kevin and his firm, O'Flaherty Law, are friendly, efficient, knowledgeable and professional. Kevin is a master at bringing people together and sharing ideas."

Kevin Sender
Says...

"Kevin O'Flaherty and his team at O'Flaherty Law are among the friendliest and easiest to work with attorneys I've dealt with. I would suggest them to any friends or business associates."

Kevin O'Flaherty was instrumental during the purchase process of my new house. I highly recommend him and the entire firm!

An excellent client experience, I recommend O'Flaherty Law to all of my clients that have a need for consultation in family law.

DuPage Family Law AttorneyDowners Grove Estate Planning Attorney
John Paul Clancy
Says...
"Kevin and his firm, O'Flaherty Law, are friendly, efficient, knowledgeable and professional. Kevin is a master at bringing people together and sharing ideas."
DuPage Family Law AttorneyDowners Grove Estate Planning Attorney
Kevin Sender
Says...
"Kevin O'Flaherty and his team at O'Flaherty Law are among the friendliest and easiest to work with attorneys I've dealt with. I would suggest them to any friends or business associates."
DuPage Family Law AttorneyDowners Grove Estate Planning Attorney
Mike Stehlik
Says...
"Kevin and his team are my "Go To" resource for clients that need estate planning"
Kevin Koc
Says...
Kevin O'Flaherty was instrumental during the purchase process of my new house. I highly recommend him and the entire firm!
Stephen Petersen
Says...
An excellent client experience, I recommend O'Flaherty Law to all of my clients that have a need for consultation in family law.
Troy Golden
Says...
Kevin is an excellent attorney. He helped me incorporate by business and provides legal counsel as need. I highly recommend him.

Click here for Videos, Podcasts, and Articles by our Saint Charles Bankruptcy Attorneys.

Saint charles chapter 13 bankruptcy attorney

Or Continue Scrolling Below to Browse some of our Most Helpful Articles

How to Collect a Debt in Illinois

If you are a small business owner dealing with past due accounts receivable, or if you are having trouble paying your monthly bills and are receiving notices from creditors, you should acquaint yourself with the collection process.  This article will provide a summary of that process.  The narrative will be from the creditor’s perspective, but it will be equally helpful to debtors.

Bear in mind that each of the following steps tends to increase the pressure on the debtor to settle his debt.  Each successive step will only be required if the debtor is non-responsive to the previous steps.  In practice, it is usually unnecessary to take a collections case all the way through Step 7.

STEP 1:  Internal collections procedures:  Before you speak to a collections attorney, you should be sure to refine your own collection procedures.  Every business is different, but the following tips may help you increase your collections on your accounts receivable:

  • In your contracts with your customers, include an attorney-fee provision providing that if either party is required to take action to enforce the contract, the other party will be required to pay attorney fees and other expenses.
  • In your contracts with your customers, include a late fee provision, informing your customers that late fees will be charged on late invoices.
  • On the face of each invoice, you should explain your collection procedures.  Let your customers know in advance that if their invoice is x days past due they will be required to pay late fees, and that if it becomes days past due, the invoice will be sent to collections.
  • Follow up on past due invoices with letters explaining the consequences of continued failure to pay.

If you believe that it will not be possible to collect an account internally, you should hand the account to your attorney to begin a collection suit.

Read More
Saint charles chapter 7 bankruptcy lawyer

If you are a small business owner dealing with past due accounts receivable, or if you are having trouble paying your monthly bills and are receiving notices from creditors, you should acquaint yourself with the collection process.  This article will provide a summary of that process.  The narrative will be from the creditor’s perspective, but it will be equally helpful to debtors.

Bear in mind that each of the following steps tends to increase the pressure on the debtor to settle his debt.  Each successive step will only be required if the debtor is non-responsive to the previous steps.  In practice, it is usually unnecessary to take a collections case all the way through Step 7.

STEP 1:  Internal collections procedures:  Before you speak to a collections attorney, you should be sure to refine your own collection procedures.  Every business is different, but the following tips may help you increase your collections on your accounts receivable:

  • In your contracts with your customers, include an attorney-fee provision providing that if either party is required to take action to enforce the contract, the other party will be required to pay attorney fees and other expenses.
  • In your contracts with your customers, include a late fee provision, informing your customers that late fees will be charged on late invoices.
  • On the face of each invoice, you should explain your collection procedures.  Let your customers know in advance that if their invoice is x days past due they will be required to pay late fees, and that if it becomes days past due, the invoice will be sent to collections.
  • Follow up on past due invoices with letters explaining the consequences of continued failure to pay.

If you believe that it will not be possible to collect an account internally, you should hand the account to your attorney to begin a collection suit.

Read More

Chapter 13 Bankruptcy vs. Chapter 7 Bankruptcy

Saint Charles Bankruptcy lawyers

Saint Charles bankruptcy attorney Kevin O'Flaherty outlines the differences between chapter 13 and chapter 7 bankruptcy.

Saint Charles Bankruptcy lawyers

In this article, our Saint Charles bankruptcy attorneys outline the differences between chapter 13 and chapter 7 bankruptcy. A Chapter 7 bankruptcy completely wipes out all of the debtor’s dischargeable debts while a Chapter 13 bankruptcy provides for the payment of some or all of the debtor’s debts over the course of 3 to 5 years. If, based on the debtor’s income, the debtor will not be able to pay off the full amount of the debts during the allotted time period in a Chapter 13 payment plan, the plan may provide for payment of a portion of the debts, with the remainder of the debt being discharged at the conclusion of the payment plan. 

Find out more about when to file for a chapter 13 bankruptcy in the article by our Saint Charles bankruptcy attorneys.

Chapter 7 Bankruptcy in Saint Charles Explained

This learn about law episode covers how the chapter 7 bankruptcy process works. The video will take you through filing the bankruptcy petition, taking credit counseling courses, preparing bankruptcy schedules, appearance at the first meeting of creditors, and creditors' objections to discharge.

Watch the full video by our Saint Charles bankruptcy attorneys to learn more about whether or not chapter 7 is the right kind of bankruptcy for your situation.

This learn about law episode covers how the chapter 7 bankruptcy process works.

bankruptcy attorney saint charles il

This learn about law episode covers how the chapter 7 bankruptcy process works. The video will take you through filing the bankruptcy petition, taking credit counseling courses, preparing bankruptcy schedules, appearance at the first meeting of creditors, and creditors' objections to discharge.

Watch the full video by our Saint Charles bankruptcy attorneys to learn more about whether or not chapter 7 is the right kind of bankruptcy for your situation.

The Chapter 13 Bankruptcy Process

Saint Charles bankruptcy attorney Kevin O'Flaherty discusses chapter 13 bankruptcy, when it is appropriate to file, and the process for filing.

Saint Charles Bankruptcy lawyers
bankruptcy lawyer Saint charles illinois

In this article, our Saint Charles bankruptcy attorneys cover chapter 13 bankruptcy, when it is appropriate to file, and the process for filing. Unlike chapter 7 bankruptcy, chapter 13 bankruptcy involves repaying your debt in 3-5 years with a payment plan. This article covers:

  • Filing for chapter 13 bankruptcy petitions and schedules
  • Filing your chapter 13 repayment plan
  • The confirmation hearing
  • Your discharge of debt.

Find out more in-depth information on these steps in the chapter 13 bankruptcy process in this article by our Saint Charles bankruptcy lawyers.

Further Reading from our

Saint Charles Bankruptcy Attorneys